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    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Bugs/Viruses/Malware etc


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Most viruses I find are via emails which come into my trash bin e.g Paypal, Various banks, failed delivery notice, court hearing notification. Banks don't send such emails with attachments. With the emails from banks, it says something like, NatWest failed credit and there is usually an attachment. I have forwarded these (unopen) to NatWest phishing email address and they have reported back that malware was found. You should never attempt to open attachments on emails you were not expecting.

 

Another thing worth doing is to instal a decent ad blocker. I have added the Firefox ad blocker, as well as the one that comes with my security software and it seems to stop a lot of viruses. Many ads/pop up screens seen to contain viruses/bugs. The ad blocker software stops the ads/pop up screens and may stop you getting viruses.

We could do with some help from you.

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as others have said, the scams are not new, but have recently been 'shut down' by the 5 O. seems then the '2 weeks' is a 'nudge' to get/check your system clean and protected before it starts up again elsewhere.

 

 

New android phone 'nasty' ka 'android simplocker' ransomware

http://www.theregister.co.uk/2014/06/04/android_simplocker_file_scrambling_ransomware/

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  • 2 weeks later...

'new' malware on the way?

http://www.theregister.co.uk/2014/06/13/pricey_ground_up_built_malware_constantly_infects_everything/

 

'Pandemiya is a new commercial Trojan malware application that has recently been promoted in underground forums as an alternative to more widely used Zeus Trojan and its variants..' RSA, link within.

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'Yet another banking trojan ('similar to zeus') has appeared, using browser hooking to steal data from Internet Explorer, Chrome and Firefox users.....CSIS also warns that the payload's code suggests a future attack is planned, in which th phishing e-mail will purport to be a Flash Player update'

http://www.theregister.co.uk/2014/06/17/another_rat_crawls_out_of_the_malware_drain/

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  • 3 months later...

I suspect that all computers can be hacked and subject to viruses. If you click on the wrong internet site or an email attachment, you may end up with malware.

 

I have online protection which I presume is OK and I update my system regularly, so I just hope that I am not infected. But you can take so many precautions.

We could do with some help from you.

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Remember viruses that used to be spread via infected MBR sectors on floppies ?

 

Well, it looks like (some) USB devices are vulnerable to a hack that allows a payload to be invisibly carried around. http://www.theregister.co.uk/2014/07/31/black_hat_hackers_drive_truck_through_hole_in_usb_security/

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No... you can't eat my brain just yet. I need it a little while longer.

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I suspect that all computers can be hacked and subject to viruses. If you click on the wrong internet site or an email attachment, you may end up with malware.

 

 

 

indeed. pretty much any system/site etc c/b hackable, depending on the ambitions/experience of the hacker. at least known bugs/viruses/exploits etc can be dealt with/prevented by AV's/cloud/user etc

 

for anyone looking to 'turn off' ssl 3, see second link post #10 (Internet Storm Centre link within)

ie https://isc.sans.edu/forums/diary/POODLE+Turning+off+SSLv3+for+various+servers+and+client+/18837

 

certain browsers 'fixed'/due to be fixed accordingly.

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  • 4 weeks later...

hacker 'contest' exposes mob phone vulnerabilities :)

'The vulnerabilities were quietly shipped off to the respective vendors for patching while tens of thousands of dollars in prize money was handed out to successful hackers'

http://www.theregister.co.uk/2014/11/13/mobile_carnage_as_hackers_pop_your_favourite_phones/

 

 

re windows, ensure you are patched re '18 yr old' vuln etc

http://www.theregister.co.uk/2014/11/12/driveby_unicorn_0day_beats_emet_affects_all_windows_versions/

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  • 3 weeks later...

'super malware' Regin, 'one of the most advanced pieces of spyware code yet found', 'appears to target people working in telecommunications, including internet backbone providers and cellular networks, plus the energy sector – where Yahoo! Messenger is apparently popular...'

intelligence agencies responsible? 'All in all, it seems to be the handiwork of an intelligence agency rather than a run-of-the-mill malware writer, infosec bods have concluded.'

 

http://www.theregister.co.uk/2014/11/24/regin_the_supersecret_spyware_the_security_industry_has_been_silent_about/

http://www.theregister.co.uk/2014/11/24/regin/

http://www.theregister.co.uk/2014/11/26/symantec_explains_why_regin_fingering_took_so_long_and_who_its_coming_for_next/

 

etc

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  • 5 weeks later...

'Crooks behind Vawtrak, a dangerous banking Trojan, are ramping up its reach and sophistication, security firms have warned...........Vawtrak is typically delivered through one of three different method: as the payload of an exploit kit, through malicious spam email attachments or by getting downloaded onto already compromised systems as a secondary malware infection.....'

 

http://www.theregister.co.uk/2014/12/27/vawtrak_challenges_almighty_zeus_as_king_of_the_botnets/

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  • 2 weeks later...

just some info :)

 

'Microsoft is facing fierce criticism over its decision to make pre-notification of upcoming patches available only to paid subscribers.....'

http://www.theregister.co.uk/2015/01/09/ms_restricts_security_pre_alerts/

 

'Some members of Anonymous have vowed to avenge the Charlie Hebdo killings in Paris by taking down jihadist websites...'

http://www.theregister.co.uk/2015/01/09/anon_op_charlie_hebdo/

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  • 2 weeks later...

Adobe Issues Emergency Flash Patch

(January 22, 2015)

Adobe has released an emergency patch for Flash on Thursday, January 22 to address a vulnerability that is being actively exploited (see story below). The most current versions are now Flash Player 16.0.0.287 for Windows and Mac OS X, Flash Player 11.2.202.438 for Linux, and Flash Player Extended Support Release 13.0.0.262.

ISC: https://isc.sans.edu/forums/diary/OOB+Adobe+patch/19217/

http://krebsonsecurity.com/2015/01/flash-patch-targets-zero-day-exploit/

http://www.scmagazine.com/adobe-issues-emergency-fix-for-flash-player-vulnerability/article/393977/

http://www.computerworld.com/article/2873541/adobe-fixes-just-one-of-two-zero-day-flaw-in-flash-player.html

I work in IT and 50% of my time is around Cyber security I can advise around personal safety but would say this at some point you will be breached or hacked whether that is on your personal PC, Tablet or Smartphone.

Also any data you have provided to any financial, insurance, retail institution, etc will not be protected from a persistant, deliberate or mailcious hack.

If they are sensible enough, they will use segregation at a physical and logical layer for systems and user access, which may dilute the information but will not prevent some of it being hacked.

I just hope there is not enough out there to allow easy fraud and directly addressed phising.

I have seen hardware adapted like a USB mice with key logging techology inside and other trojans.Excel still has a vulnerability (will not be patched) that if using a macro enabled spreadsheet can give instant remote access to attacker with hidden calls to functions (it went through on Mac, Win 7 and Win 8 "PROTECTED" by Symantec, Windows Defender, AGV and MS Security Essentials all up to date.

Good site for news is SANS.Org

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  • 2 weeks later...

thanks. further flash patches, update now.

'People still using Adobe Flash should update the plugin after the Photoshop giant patched 15 remote-code execution holes in its screen-door software.

If hackers aren't already exploiting all these holes in the wild, they soon will be. The remote-code exec bugs allow miscreants to hijack vulnerable Windows, OS X and Linux computers, simply by luring victims to websites booby-trapped with malicious Flash files......'

http://www.theregister.co.uk/2015/02/05/adobesighpatches_anothersighflash_zeroday_vulnerability/

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thanks. further flash patches, update now.

'People still using Adobe Flash should update the plugin after the Photoshop giant patched 15 remote-code execution holes in its screen-door software.

If hackers aren't already exploiting all these holes in the wild, they soon will be. The remote-code exec bugs allow miscreants to hijack vulnerable Windows, OS X and Linux computers, simply by luring victims to websites booby-trapped with malicious Flash files......'

http://www.theregister.co.uk/2015/02/05/adobesighpatches_anothersighflash_zeroday_vulnerability/

 

 

Nasty, the Register gives the best cure Uninstall Flash.

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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I have had several alerts in the last week of attempted network attacks which have been blocked. These have originated from China and Russia, if the information provided is correct.

 

Make sure you have good firewall security in place, as there is apparently increased use of peoples routers to help with DDOS attacks.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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., the Register gives the best cure Uninstall Flash.

 

 

sound advice.

but certain 'major' sites still use it eg bbc. and, went on tube and it still asked for flash before playing a vid. am sure my browser is html5 compat!

 

for ref, this is the registers comment re flash

'Flash has been around in one form or another for nearly 20 years, and it's time for those who are still supporting its use to accept the inevitable: it's time to take the software round the back of the shed and shoot it.........'

http://www.theregister.co.uk/2015/02/02/its_time_to_flush_flash_if_you_havent_already_enough_is_enough/

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  • 2 weeks later...

'The world's biggest SIM card manufacturer, Gemalto, revealed (re Snowden leak) yesterday to have been hacked by the NSA and GCHQ...'

 

you guessed it, the register :)

http://www.theregister.co.uk/2015/02/20/gemalto_sim_surveillance_fallout/

http://www.theregister.co.uk/2015/02/19/nsa_and_gchq_hacked_worlds_largest_sim_card_company_to_steal_keys_to_kingdom/

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